I contacted my CPA who said I needed to retire at 67yo(due to phasing back each generation). I would have to give back almost all of my s.s. money due to not being able to live on $988mo (62yo) plus $5,000 investment(average). Also I wanted to continue working parttime and I would make too much money to get 100% of my s.s. benefits. It's going to be a stretch at 67yo.......Social Security is sending out three months before your birthday a copy of your benefits at each of the three age milestones 62,65-67,70). SO if you have a great pension, great investments, your house paid off and other supplemental income, retirement at 62 looks good. I recommend consulting your CPA. It was worth my time as he recommended several strategies. Good luck!!